HomeCompareTOWN vs ARCC

TOWN vs ARCC: Dividend Comparison 2026

TOWN yields 3.15% · ARCC yields 10.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TOWN wins by $101.4K in total portfolio value· pulled ahead in Year 3
10 years
TOWN
TOWN
● Live price
3.15%
Share price
$33.67
Annual div
$1.06
5Y div CAGR
43%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$126.0K
Annual income
$45,843.73
Full TOWN calculator →
ARCC
Ares Capital Corporation
● Live price
10.82%
Share price
$17.74
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.16
Full ARCC calculator →

Portfolio growth — TOWN vs ARCC

📍 TOWN pulled ahead of the other in Year 3

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodTOWNARCC
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, TOWN + ARCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
TOWN pays
ARCC pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

TOWN
Annual income on $10K today (after 15% tax)
$267.60/yr
After 10yr DRIP, annual income (after tax)
$38,967.17/yr
ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
At 15% tax rate, TOWN beats the other by $38,966.18/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TOWN + ARCC for your $10,000?

TOWN: 50%ARCC: 50%
100% ARCC50/50100% TOWN
Portfolio after 10yr
$75.2K
Annual income
$22,922.44/yr
Blended yield
30.46%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

TOWN
Analyst Ratings
3
Buy
3
Hold
Consensus: Buy
Altman Z
-0.5
Piotroski
6/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+23.3% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TOWN buys
0
ARCC buys
0
No recent congressional trades found for TOWN or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTOWNARCC
Forward yield3.15%10.82%
Annual dividend / share$1.06$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR43%-50%
Portfolio after 10y$126.0K$24.5K
Annual income after 10y$45,843.73$1.16
Total dividends collected$97.0K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy

Year-by-year: TOWN vs ARCC ($10,000, DRIP)

YearTOWN PortfolioTOWN Income/yrARCC PortfolioARCC Income/yrGap
1$11,150$450.19$11,381$541.15$231.00ARCC
2$12,602$670.86$12,621$284.08$19.00ARCC
3← crossover$14,497$1,013.28$13,827$145.31+$670.00TOWN
4$17,070$1,557.87$15,062$73.43+$2.0KTOWN
5$20,716$2,451.50$16,364$36.89+$4.4KTOWN
6$26,142$3,976.18$17,757$18.49+$8.4KTOWN
7$34,678$6,705.88$19,258$9.25+$15.4KTOWN
8$48,994$11,888.31$20,880$4.63+$28.1KTOWN
9$74,871$22,447.03$22,636$2.32+$52.2KTOWN
10$125,955$45,843.73$24,539$1.16+$101.4KTOWN

TOWN vs ARCC: Complete Analysis 2026

TOWNStock

TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. It operates in Richmond, Virginia, the Greater Hampton Roads region in southeastern Virginia, northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. TowneBank was incorporated in 1998 and is headquartered in Portsmouth, Virginia.

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ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.